As an RV owner, you may associate your recreational vehicle with fun, carefree days of exploration. However, it’s also important to think about your investment responsibly and ensure you’re prepared for less desirable scenarios. Once you’ve secured RV insurance, you can take to the road with peace of mind. Here’s a closer look at what this coverage entails, and why you need it.

What Is RV Insurance?

When you purchase RV insurance, you’ll be offered comprehensive coverage, which will kick in if your vehicle is damaged by the elements, falling objects, or acts of vandalism. It will also protect you in the event of a collision, so you don’t have to pay for the repairs and medical bills out of pocket.

If your RV is stolen or destroyed, your insurance policy will cover a replacement. In some cases, you may want to purchase add-ons to a standard policy, such as coverage for awnings, storage compartments, roadside assistance, and onboard personal property.

Do I Need RV Insurance?

Like most states, Alabama requires all motor vehicles to have a certain amount of liability insurance. That means, as long as it’s an RV that you drive (not a trailer you tow), you’ll need to purchase RV insurance.

In addition to providing liability insurance to protect you from expensive accidents, your policy will also protect your investment from the threats mentioned above. If you live in your RV, you’ll want to purchase a full-timer policy, which will act more like a homeowners insurance policy.  

How Does It Differ From Standard Car Insurance?

Unlike a car, an RV allows you a more complete living space. Therefore, a standard car insurance policy won’t include coverage for a kitchen, bathroom, or that flat-screen TV in the living area.

With an RV insurance policy, you can cover all those add-ons. From the plumbing system to the satellite dish, your RV has a lot more to protect than a standard car.

To secure a reliable RV insurance policy, reach out to Aaron Insurance Agency in Dothan, AL. This independent insurance agency has been matching clients with the ideal coverage since 2000. With their help, you can easily sift through a broad network of providers to find the right policy for your recreational vehicle. To learn more about their products, including motorcycle insurance, visit them online. You can also call (334) 712-0777 to find out about a free estimate.